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California Department of Insurance CA-Life-Accident-and-Health Exam Syllabus Topics:

California Department of Insurance CA Life, Accident and Health or Sickness Examination Sample Questions:

1. When a family policy covers children, all of the following are true EXCEPT

A) the coverage is term insurance for a fixed amount.
B) there is no additional charge for covering new additions to the family.
C) evidence of insurability is required to convert coverage for children to permanent insurance.
D) all children living with the family are covered even if adopted or born after the policy is issued.

2. As defined by the California Code of Regulations, a person who asserts a right of recovery under an insurance policy is called the

A) underinsured.
B) injured.
C) claimant.
D) beneficiary.

3. Medicare Part B pays for

A) the first 60 days of hospitalization.
B) prescription drugs.
C) physicians' services.
D) hospice care.

4. All of the following are requirements of a contract EXCEPT

A) there must be an offer and acceptance of the contract terms.
B) the parties to the contract must be legally competent.
C) there must be equal consideration between the parties.
D) the contract must have a legal purpose.

5. According to California Insurance Code, an insurance policy must be

A) in writing.
B) economically feasible for the insured.
C) negotiated between the agent and the insured.
D) approved by the Insurance Commissioner.

Solutions: